Monroe County property record for 957 Ocean Dr, Summerland Key, FL 33042
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,552 sqft · built 1992 |
| Lot Size | 0.422 acres (18,398 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $412,500 (May 1993) |
| Tax Bill | $8,729 (2024) |
| Deeds & Mortgages | Nov 2017 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00197370-000000 |
| Primary APN | 00197370-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,552 sqft Living Area |
| 1st Floor Area | 1,552 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 18,398 sqft (0.422 acres) |
| Pool Area | 288 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 705 sqft |
| Deck Area | 555 sqft |
| Patio Area | 595 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1259012 |
|---|---|
| Old Parcel Number | 36662800197370000000 |
| Street Address | 957 OCEAN DR |
| City | SUMMERLAND KEY |
| State | FL |
| Zip | 33042-4534 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK 1 LT 24 SUMMERLAND BCH ADDN #2 SUMMERLAND KEY PB3-21 OR405-203 OR761-1542 OR849-305/306 OR932-2216 OR1257-1563/64 |
| Legal Range | 28E |
| Legal Township | 66S |
| Legal Section | 36 |
| Legal Subdivision | SUMMERLAND BEACH ADD NO 2 |
| Legal Block | 1 |
| Legal Lot Number | 24 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | LOWER KEYS |
| Census Block Group | 1 |
| Census Block | 1050 |
| Census Tract | 971502 |
957 Ocean Dr is owned and occupied by two individuals who bought it in May 1993.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 957 OCEAN DR, SUMMERLAND KEY, FL 33042-4534 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 1993 · Amount on File |
| Deed Sale | May 1, 1993 · Amount on File |
| Deed Document Number | 0012571563 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 957 OCEAN DR, SUMMERLAND KEY, FL 33042-4534 |
| Document Number | 0028782323 |
| Book / Page | 002878 / 002323 |
| Instrument Date | Nov 7, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 30, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 957 OCEAN DR SUMMERLAND KEY FL 330424534, SUMMERLAND KEY, FL 33042-4534 |
| Document Number | 0028782323 |
|---|---|
| Date | Nov 13, 2017 |
| Book Page | 002878/002323 |
| Instrument | 2143357 |
| Name | US SMALL BUSN ADMN |
|---|---|
| Address | BIRMINGHAM, AL 35211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 12, 2047 |
Source: Monroe County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,004,691 | $1,922,107 Land $1,568,383 Building $353,724 | |
| 2024 | $8,729.00 (+3.56%) | ||
| 2023 | $8,429.00 (+2.69%) Homeowner's exemption | $947,939 (+3%) | $1,760,377 (+30.08%) Land $1,426,376 Building $334,001 |
| 2022 | $8,208.00 Homeowner's exemption | $920,330 | $1,353,337 Land $1,009,824 Building $343,513 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 957 Ocean Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 454 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 454 in force |
| Nearby Flood Claims | 828 (1998–2022) |
| Claims Outside the SFHA | 2 of 828 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 957 Ocean Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 151 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
May also be available: T-Mobile.
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